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Rhode Island Payday Loans

Here in Rhode Island, we like to think of ourselves as individualists. In 1776, we were the first of the 13 original colonies to declare independence from Great Britain. Fourteen years later in 1790, we disagreed with some trivial details of the Constitution and were the last state to ratify it. For as little as our “Ocean State” is, it sure packs a punch! Unfortunately, some obstacles appear impossible to overcome, especially when they slowly eat away at our wallets.

Luckily, for every villain, there’s always a superhero to defeat it. If you’ve fallen behind on bills, unexpectedly wrecked your car and now have to pay for a hefty hospital bill, turn to CashNetUSA to help you overcome your immediate financial woes. With a payday loan in Rhode Island, you can get money deposited directly into your bank account by the next business day!* With money back in your wallet, you won’t have to lose sleep at night over how you’re going to pay for your emergency expenses!

New Customers: Use Promo Code CASHNET50 on Your First Loan

Save 50% on the initial loan fee of your first payday loan or receive a 50% rebate on the interest or fees of the first two payments of your first installment or installment-payday loan, respectively. Promo code not valid for the CashNetUSA line of credit product.+++


Rhode Island Payday Loan Information:

  • Breeze through our 5-minute online application
  • Get instant approval,** and cash by the next business day*
  • We offer 24/7 customer service via phone, email or live chat
  • If you have less-than-perfect credit, that's OK!†
  • Typically no faxing or extra paperwork is required

Rhode Island Payday Loans for Unemployed:

If you're currently unemployed, unfortunately, we can't approve your loan at CashNetUSA. In order to prequalify for a payday loan in Rhode Island, you must have an active checking account, be a U.S. citizen or permanent resident, be at least 18 years old and have been employed for at least one month. So instead of applying, focus on finding a job in the “Ocean State” while considering these statistics:

  • Exactly 12% of Rhode Island residents were below the poverty level in 2009.
  • The median household income in Rhode Island was $53,243 in 2009.
  • From 2005 – 2009, it took a person aged 16+ an average of 22.9 minutes to get to work in Rhode Island.

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Payday Loans in Rhode Island with CashNetUSA Get to Know Our State Better

Despite being the smallest state in the country, Rhode Island is full of personality that makes it stand out:

Fun facts about Rhode Island
  • Thinking of passing someone on the road? You must make a loud noise before you pass another car on the left.
  • Like to accept bids? Make sure you do it legally as impersonating an auctioneer is against the law.
  • Got a cool cap gun? GET RID OF IT! Cap guns are forbidden in Rhode Island.

*CashNetUSA and third-party lender funds are generally deposited via ACH for delivery next business day if approved by 9pm CT Mon. – Thu. or by 7pm CT Sun.

CA residents: CashNetUSA California Finance Lenders License file no. 603 H010, DE residents: Licensed by Delaware State Bank Commissioner License #9546 Exp. 12/31/2014, OH residents: Ohio Credit Services Organization Certificate of Registration no. CS.900076.000.

**Not all loan applications or extension requests are approved. Due to state and verification requirements, not all applicants for online loans may be eligible for instant approval by CashNetUSA or third-party lenders.

***Some customers applying for payday loans or installment loans may be required to submit additional documentation due to state law and qualification criteria.

†CashNetUSA or third-party lender does not perform traditional credit checks as part of its credit transaction approval process, but does verify applicant information via national databases including, but not limited to, Clarity. If you have defaulted on past transactions, you may be declined for a cash advance from CashNetUSA.

‡Maximum funded amount for payday loans or installment loans depends on qualification criteria and state law. See Rates and Terms for details.

++Please see Rates and Terms to check the availability of online loans and extensions in your state. CashNetUSA is not a lender in all states. In some states, CashNetUSA will (i) act as a Credit Service Organization to arrange a loan between you and a third-party lender, or (ii) in Texas, act as a Credit Access Business between you and a third-party lender.

+++If you are a Payday, CSO, or CAB customer, discount will be applied to the initial loan fee, CSO fee, or CAB fee, respectively. If you are an Installment or Installment-Payday customer, the rebate shall be calculated by multiplying the percent discount by the first two scheduled installment payments of your loan. However, the rebate shall not exceed the actual amount of accrued interest paid on the Installment loan or fees paid on the Installment-Payday loan. Rebate shall be paid via bank account ACH credit upon full repayment of the loan, and is contingent upon a minimum of two installment payments made. Discount not valid for the CashNetUSA line of credit product. Promotions are not available in all states. Please see your state's Rates and Terms for additional details. Unless otherwise specified, promo codes must be entered at the time of application, can be used only once, and may not be combined with any other offers or Preferred Member benefits.

1Must be 21 years of age for Mississippi residence and 19 years of age for Alabama and Delaware residence.

Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.